BanksHOME STATE BANK/NATIONAL ASSOCIATION

HOME STATE BANK/NATIONAL ASSOCIATION

CRYSTAL LAKE, ILMediumEst. Jan. 1, 1915, midnightFDIC #12815RSSD #696430OCC
Latest · 2025-12-31

HOME STATE BANK/NATIONAL ASSOCIATION is an FDIC-insured commercial bank headquartered in CRYSTAL LAKE, IL, established in Jan. 1, 1915, midnight. As of 2025-12-31, the bank reported total assets of $768M and total deposits of $677M. Profitability stands at 1.44% ROA and 13.67% ROE, with a net interest margin of 4.18%. CET1 capital ratio: 18.47%, well above regulatory minimums. NPL ratio: 0.05% · Texas Ratio: 0.29%. Operates 7 domestic branches.

Assets
$768M
Deposits
$677M
Loans
$498M
Equity
$82M

Profitability

Return on Assets (ROA)1.44%
Return on Equity (ROE)13.67%
Net Interest Margin4.18%
Yield on Assets5.53%
Cost of Funds1.40%

Asset Quality

NPL Ratio0.05%
Net Charge-Off Ratio-0.01%
Texas Ratio0.29%
NPA Ratio0.03%
ACL / Loans1.25%

Capital & Liquidity

CET1 Ratio18.47%
Tier 1 Capital18.47%
Total Capital Ratio19.73%
Leverage Ratio11.84%
Loan-to-Deposit73.48%

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